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All Journal JURNAL LENTERA BISNIS ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Robidi, Robidi
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Humanities Economics, Econometrics & Finance Social Sciences

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Penyuluhan Asuransi Kecelakaan Diri Bagi Pengemudi Ojek Online Di Kota Tangerang Selatan Erizal, Erizal; Robidi, Robidi
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 7 No. 1 (2026): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/arsy.v7i1.2091

Abstract

Pengemudi ojek online merupakan kelompok pekerja sektor informal dengan tingkat mobilitas tinggi dan risiko kecelakaan lalu lintas yang signifikan. Namun, tingkat pemahaman mereka terhadap perlindungan asuransi kecelakaan diri masih terbatas, khususnya terkait ruang lingkup jaminan dan pengecualian dalam Polis Standar Asuransi Kecelakaan Diri Indonesia (PSKDI). Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan meningkatkan literasi asuransi kecelakaan diri bagi pengemudi ojek online di RT 01 RW 01, Kelurahan Pondok Benda, Kecamatan Pamulang, Kota Tangerang Selatan. Metode yang digunakan adalah pendekatan edukatif dan partisipatif melalui penyampaian materi, studi kasus, serta diskusi interaktif. Partisipan berjumlah 10 orang pengemudi ojek online. Hasil kegiatan menunjukkan adanya peningkatan pemahaman mengenai konsep dasar asuransi kecelakaan diri, identifikasi risiko yang dijamin dan dikecualikan, serta pemahaman klausula penting dalam PSKDI. Kegiatan ini berkontribusi terhadap peningkatan literasi asuransi pada kelompok pekerja sektor informal dan dapat direplikasi pada komunitas serupa.
PERLINDUNGAN KONSUMEN BROKER ASURANSI MENGHADAPI KETENTUAN MODAL MINIMUM PERUSAHAAN 2026 Robidi, Robidi; Subrata, Agus; Ihsan, Muhamad; Kiatin, Desi Roro
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2095

Abstract

The minimum capital requirement for insurance companies planned to be implemented in 2026 constitutes a key element of prudential regulatory reform aimed at strengthening solvency and ensuring the stability of the insurance industry. However, this policy may generate indirect yet significant implications for consumer protection mechanisms, particularly through the role of insurance brokers as independent intermediaries. This study aims to comprehensively analyze the impact of the 2026 minimum capital requirement on consumer protection as exercised through insurance brokers, while linking regulatory developments to brokers’ empirical performance conditions during the 2023–2025 period. The research employs a qualitative approach using a juridical-empirical and policy analysis framework, drawing on regulatory documents and high-quality international academic literature. The findings indicate that stricter capital requirements tend to accelerate market consolidation and narrow brokers’ operational space in product comparison, policy negotiation, and consumer assistance. Such structural pressures may weaken brokers’ substantive independence and diminish their effectiveness as consumer protection instruments. The study concludes that consumer protection in the insurance sector cannot rely solely on insurers’ financial strength but must also be supported by a regulatory framework that preserves and strengthens the role of insurance brokers through proportional and risk-based regulatory approaches.
Co-Authors Erizal Erizal Kiatin, Desi Roro Muhamad Ihsan, Muhamad Subrata, Agus